Think Prosperously, Behave Frugally

Positive Thinking Tip: optimism will lead you to financial solutions, but be smart and live responsibly in the here and now.

Here is a question from one of my readers that I thought was worthwhile to share with  you.


How do you think, especially speak, feel, and act as though you are rich, and…

A. not spend money you don’t have?

B. still give positive responses as though the money is here now to people asking you to do things you don’t have the money for???

How do you “feel” like the money is here now, when you see something you want to buy, and can’t responsibly do that?

My Answer:

You can accomplish the “feel” task during a quiet moment of meditation – a finite length of time. Sometimes I’ll just go lay down for a nap and let myself daydream and feel the abundance I’m hoping for, and allow my mind to experience its reality, even if it is just for a few minutes. That’s planting the seed, and turning it over to the subconscious.

Then when you’re back to life as usual, behave responsibly. Say no when an irresponsible purchase is tempting you. Determine the difference between an irresponsible purchase and one that may lead you to the solutions you are searching for.

If you have planted the seed, then you will be led to opportunities, and there may be a twinge of fear in taking advantage of them, but it is a different kind of fear than the kind that accompanies frivolous purchases. Deep down, if you have a clear vision of where you ultimately want to be, you’ll know the difference. If it’s the kind of fear that prevents your progression, then it is worth facing. If it is the kind of fear that protects you from making a mistake, then pay attention to it.

How can you know the difference? If you spend the time visualizing and feeling like I’ve suggested, then when the fear comes, you’ll know in your gut which kind it is.

Out of all I’ve just said, the part that most people will NEVER do is to take the time to daydream, visualize, and FEEL, and approach it like a task on their to-do list. Do it, then check it off, and watch for the opportunities to come. Do it, and notice how much more clearly it is to discern a distraction or trap from an opportunity.

When you get confused or fearful, do it again, check it off, and move your feet forward, expecting clarity to come as you go.

Be smart with your spending, only live abundantly in your mind, enjoying the “experience” of virtual prosperity, but then live life as normal. In time, circumstances will re-arrange themselves to open the right doors and bring you the right opportunities, until reality can reflect the images of your thoughts.

Above all, stick to sound principles. We got caught a big debt trap several years ago even after learning these principles, because we got too excited about changing things too quickly. It was a painful lesson to learn, so now I discourage you from using credit to purchase my trainings or products. I’ll tell you instead to read The Jackrabbit Factor FREE, and do what it teaches to obtain the money you need.

I strongly advise you to give 10% to charity and save 10% of your earnings as well, no matter what you make. If you can’t, then get another or better job, or cut back on your lifestyle. Yes, I just said that.

Build a solid financial foundation. Do the hard things now on the way to your dream. Establish sound financial habits that will follow you into prosperity. If you are careless with the little money, you’ll be careless with the big money. It happened to us. It’s pretty much a law of nature: human nature.

Pay attention to the market trends and don’t get caught up in the frenzies. There will always be ups and downs. And ups. If you missed a window of opportunity, just put your life and house in order so that you’ll be ready for the next one. Practice delayed gratification.

You might be surprised to know that we are not paying for our children’s educations – we’re teaching them that they will need to earn the money or get scholarships. We are teaching them to avoid debt like the plague, even for their education. So far so good. I hope they stick to it, even if it takes them longer to finish. I tell them to sacrifice, work, think long term, and watch the opportunities come. I believe God honors and blesses those who practice wisdom.

He also lets us do stupid things, so trust me – be wise. Be the weird one in your circle of friends who doesn’t have all the luxuries, because you’re working a long-term plan. As the old adage goes, the last shall be first and the first shall be last.

All the while, practice the principles of right-thinking. Have faith. Think optimistically. Create a vision for where you’re going. Trust in the Law of Rhythm, and the Law of Polarity, and the Law of Vibration, especially. Read all about these laws FREE, here.

When you’re out shopping with your kids and they beg you to buy something, don’t say, “I can’t.” Instead say, “I choose not to spend my money on that.” Speak to empower. Even if you can’t afford it, your mind will hear and feel the response  “I choose” differently than “I can’t.” And it time, you’ll see the effects. When the words you speak are in line with correct principles, your life can’t help but begin to move in a better direction. Originally published September 12, 2006

Related: To Debt or Not To Debt. Learn how the way you feel about the purchase can also affect the overall outcome.


Finding Relief from Heavy Burdens


A Special Message of Faith

In December of 2012 I was asked to speak during my congregation’s sacrament meeting. This is one thing that is common throughout my church worldwide: that members are given opportunities to teach each other about the gospel, and how they are learning to apply it in their lives.

Here’s the message I shared:

When we realized back in 2006 that we had purchased too much real estate at the wrong time, sometimes all we could do to calm the raging storm was to turn off the lights, close our eyes, and let “Peace Like a River” CD soothe our troubled and fearful hearts.

We tried to focus on the Savior, and let Him assure us that in the eternal scheme of things, everything was going to turn out okay if we fixed our faith upon Him.

He showed us that no matter how heavy the burden, he had the power to do for us what He had done for Alma’s people as described in Mosiah chapter 24 when he told them:

“I will … ease the burdens which are put upon your shoulders, that … you cannot feel them upon your backs, even while you are in bondage; and this will I do that ye may stand as witnesses for me hereafter, and that ye may know of a surety that I, the Lord God, do visit my people in their afflictions.”

The Bible tells us to have faith in Jesus Christ, and to love one another. But until recently, I never really recognized an important connection between these two directives, and how it relates to the lift of our burdens.

At the time, I considered the peace I ultimately discovered to be a tremendous personal victory. We were still in a mess, but He taught us peace in spite of it. That all of that could be happening and that we could find peace anyway was a miracle to me.

As our difficulty stretched on, I felt that I could relate in a small way to the man who had been a part of the fateful Martin Handcart company who said, “‘I… pulled my handcart when I was so weak and weary … that I could hardly put one foot ahead of the other. I have looked ahead and … said, I can go only that far and there I must give up…’ ” He continued: ” ‘I have gone on to that sand and when I reached it, the cart began pushing me. I have looked back many times to see who was pushing my cart, but my eyes saw no one. I knew then that the angels of God were there… The price we paid to become acquainted with God was a privilege to pay, and I am thankful that I was privileged to come in the Martin Handcart Company.'”

As hard as it was for us over those last few years, I wouldn’t give up the testimony we gained through it – that God lives and is mindful of us and gives us strength.

However, while it’s true, that when things appear to be falling apart, a return to the Savior (pondering his life’s example, repenting of our mistakes, finding gratitude, and imagining his steady and unconditional friendship) always brings peace, sometimes it can be really hard to set aside personal challenges enough to be able to think about helping someone else.

But what I’ve been learning is that our needs are cared for when we focus on others.

This is probably a more complete and true exercise of faith in Christ. Not just believing that He is real and finding peace in our challenges, but taking it one step further… do we really believe that our needs will be met if we forget ourselves? Do we really trust that the Lord will carry us through our problems if we lose ourselves in the service of others?

I remember back several years when my husband and I were trying to be anxiously engaged in a good cause, but our investment problems were screaming so loudly that it seemed nearly impossible to carry on.

We had come to the end of all of our visible resources – our savings were entirely depleted, our credit was completely exhausted, and with only $200 in the bank and no paycheck in sight (with another $15,000 in bills due in the coming 2 weeks), the moment we had tried so hard to avoid was finally upon us.

It was our anniversary weekend, and so with no other solution in sight, we decided to at least enjoy a dinner together and try to rekindle our hope in the future, and our faith in Christ. During our conversation, it dawned on us that even though we were at rock bottom, we were still alive, still breathing, and still able to help others.

We asked ourselves, if we were homeless, could we still teach? Could we still help others? Would we? Of course we could, and would. So that’s when our conversation shifted. Instead of focusing on our immediate needs, we projected our minds forward and imagined where we saw ourselves in 10 years. Did we think we’d be back on our feet by then? Would we have figured things out and put our lives back together by then? That seemed easy enough to believe. So then our focus shifted, and we brainstormed on the things we could do right away to serve others better, and made those plans.

By the end of dinner, we felt hope again. We felt the Spirit confirm to us that although we were in a pretty ugly mess of our own, we were on the right track.

So we paid the bill and just as my husband was opening my car door, the waiter came running out to the parking lot after us with a voided receipt yelling,

“Since it’s your anniversary, the meal’s on us!”

In that moment, we experienced a little bit of what the Lord had taught his apostles. He had tried to assure them that as long as they would feed his sheep, their true needs would be met. We’ve heard it so many times: “Consider the lilies of the field…” “…trust the Lord with all thine heart” “…fear not…” but how it is possible?

To explain, let me share it the way Elder Jeffrey R. Holland described it:

After Christ was no longer with his apostles, in effect, Peter said: “Brethren, it has been a glorious three years. …But [it] is over. He has finished His work, and He has risen from the tomb. He has worked out His salvation and ours. So … ‘What do we do now?’ I don’t know more to tell you than to return to your former life, rejoicing. I intend to ‘go a fishing.’”

But, … the fishing wasn’t very good. Their first night back on the lake, they caught nothing—not a single fish. With the first rays of dawn, they disappointedly turned toward the shore, where they saw in the distance a figure who called out to them,

“Cast the net on the right side of the ship, and ye shall find,” —and with those simple words, recognition begins to flood over them. Just three years earlier these very men had been fishing on this very sea. On that occasion too they had “toiled all the night, and [had] taken nothing,”…. But a fellow Galilean on the shore had called out to them to let down their nets, and they drew “a great multitude of fishes,” enough that their nets broke, the catch filling two boats so heavily they had begun to sink.

Now it was happening again. [They] eagerly lowered their net, and “they were not able to draw it for the multitude of fishes.”

After a joyful reunion… Looking at their battered little boats, … and a stunning pile of 153 fish, Jesus said … three times, “Peter, do you love me more than you love all this?” Peter said, “Yea, Lord; thou knowest that I love thee.”

To which Jesus responded …perhaps saying something like: “Then Peter, why are you here? Why are we back on this same shore, by these same nets, having this same conversation? Wasn’t it obvious then and isn’t it obvious now that if I want fish, I can get fish?

“What I need, Peter, are disciples—and I need them forever. I need someone to feed my sheep and save my lambs. I need someone to preach my gospel and defend my faith. I need someone who loves me, truly, truly loves me, and loves what our Father in Heaven has commissioned me to do.

“Ours is not a feeble message. … It is the work of Almighty God, and it is to change the world. So, Peter, for the second and presumably the last time, I am asking you to leave all this and to go teach and testify, labor and serve loyally…”

“If ye love me, keep my commandments,” Jesus said. So we have neighbors to bless, children to protect, the poor to lift up, and the truth to defend. We have wrongs to make right, truths to share, and good to do. In short, we have a life of devoted discipleship to give in demonstrating our love of the Lord. We can’t quit and we can’t go back…

To those who have not yet joined with us in this great final cause of Christ, we say, “Please come.” To those who were once with us but have retreated, preferring to pick and choose a few cultural hors d’oeuvres from the smorgasbord of the Restoration [of the gospel of Jesus Christ] and leave the rest of the feast, I say that I fear you face a lot of long nights and empty nets. The call is to come back, to stay true, to love God, and to lend a hand.” – Elder Jeffrey Holland

Now, on Christmas we were blessed to spend some time on the phone with our missionary son Jacob, and I asked him: What can we do for you? What can we do to help you?

He replied, emotionally, “I just want you guys to love each other. I want you to do your best to get along with each other. It’s so true that you don’t know what you have until it’s gone. I just want you guys to also stay in touch with me, keep writing letters, keep emailing me, keep me posted with what’s going on in your lives, the good and the bad…”

Our Father in Heaven – during our separation from Him – wants us to love each other, and stay in touch with Him through prayer. He wants us to go to him with the good and the bad, and let Him be a central part of our life.

And when we have burdens too heavy and worries too consuming to think outside of ourselves, I testify that we can put our trust in the Lord, hand him our burdens, …and as we focus on helping someone else, everything will work out just as it should.

I have a special journal dedicated to this – for when I have a concern or a need that seems to be more than I can handle, I’ll write “What I needed” on the left side, and then on the right side I write “How He helped”. After all, He has asked us to acknowledge his hand in all things – and this is one way I’m trying to do it.

(The following section is an excerpt from a letter I wrote to a friend, giving more details on this new journal tool.)

I felt the Lord inspired me to do something I hadn’t done before, when things were terribly overwhelming to me. The Spirit nagged me for 2 days until I did it… and that is this:

I got a notebook or journal that was specifically to be for one purpose. On the left side of the page, I wrote: “What I needed”, and I listed the things I needed to turn over to the Lord. I imagined angels being given permission to get to work on those items for me, because I was physically, mentally, emotionally unable to handle them myself at that time.  On the right side of the page I wrote: “How He helped” because I thoroughly expected Him to handle some of those things for me, and I wanted to document His hand in the process.

Within 20 minutes, I got a phone call that answered one of the pleas listed on the left.  Over time, it seems that all of them have been either checked off or making good progress. To me, it’s working better than a vision board ever did, because it’s more of a system for the purpose of fulfilling my life’s mission, and for handling the distractions that slow me down as well.

Once I put something on the “what I needed” side, I let it go and I get busy on something that I CAN make progress with, knowing that the other items are being handled.

And now, verily I say unto you, and what I say unto one I say unto all, be of good cheer, little children; for I am in your midst, and I have not forsaken you; (D&C 61:36)

Related: Do the Problems Go Away?

(Back now, to my talk at church…)

I know that God lives, that Jesus Christ is with us, He’s mindful of our heartaches, and ready to help. He is merciful. He loves us. He loves you. He knows what you’re going through; it’s not pointless.

May we exercise our faith in Christ not just by believing He is real, but also by trusting him – literally – to handle our burdens that feel too big, while we look instead for opportunities to feed his sheep.

This is my prayer for all of us.

Originally published on December 18, 2013


The Unexpected Cure for Doubt

positive thinking tip: When you feel worried or doubtful, dig a trench.

Shovel and trench.I remember the days when my husband and I were trying to live on about $1200/month.  We were both working full time and fighting a losing battle to stay afloat.

We listened to motivational audios that urged us to believe in our dreams, and we knew that we could have any kind of life we really wanted, but when it came right down to it, it was always impossible to see where any extra money would ever come from.

I can see now that at the time, having faith in the face of scarcity was an impossible expectation.  Here’s why:

The thing that made it so difficult is that we knew exactly how much money we were getting, and we also knew just how much our expenses exceeded that income.

If true financial success cannot be achieved without at least some degree of FAITH (believing in something without tangible evidence), how in the world is a person supposed to have that kind of faith when all evidence proves that it’s utterly impossible?

I learned that there are three things that, over the years, helped me build that necessary faith.

  1. Continuing Education – learning new marketable skills and studying the laws of success
  2. Work – investing time, money, and energy in other income streams outside of our regular jobs.  (Even when they didn’t produce a profit – and they didn’t – for nearly 10 years!)
  3. Choosing to Believe in God, and believing that He was interested in our success – and trusting that it was being orchestrated, if we’d just kept moving our feet.

For nearly a decade, we worked and studied and worked some more.  We believed the abundance would have to find us sometime, if we just kept trying.

It makes me think about the early settlers of my desert region:

There were a lot of ditches to dig and canals to build before they were prepared to utilize a flow of water.  I’m sure it took many, many years to put those systems in place.

As you explore your talents and look for new ways to monetize them, just picture yourself digging ditches and building canals.  It’s so easy to think that a massive, sudden flow of money would solve all of your problems, but in reality, that gush could be just as devastating as a flash flood in a valley where the settlers are trying to create a system for a steady, constant supply of water instead.

You don’t want the gush until your systems are in place!

It dawned on me that after my husband took the leap toward full-time self-employment (when we really couldn’t predict exactly where the money would come from like we could when we had a regular paycheck), the more trenches we dug, the easier it was to have faith in God.

Isn’t that interesting?

Having put forth so much unrewarded effort for so long, in the face of scarcity, instead of saying, “I can’t think of a single place the money could come from,”  we could more easily say, “The water could come from any one of the hundreds of trenches we dug all those years!”

Compared to our first few years together, how much easier it now was to finally believe!  How much easier it was to have faith!  And faith is the critical element.  All the work in the world without faith can be just as useless as all the faith you can muster without work.

As they say, “Faith without works is dead.”  Truly without some personal effort, faith is meaningless.  Why? Because you demonstrate your faith BY working! You’re proving your belief in the abundant life by putting forth the effort to get those money-making systems in place.

And, when faith is low, work can help it grow, too.  This is why the unexpected cure for doubt in my opinion is: Education, and WORK.

If you can’t think of where to get the money you need, shift your focus to increasing your knowledge, and get to work finding some kind of meaningful services you can perform for others.

God did not bring you this far to fail now… stay in forward motion.  Your reward is waiting for you!

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